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BEST CREDIT CARD WITH FD

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Unstoppable0

I need credit card by fb whice is good i have 4L amount need 5-6 cc


(koun sa bank me fb kr ke cc lena best rhega 9-10 Cc chahiye any one help ) ?

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Deal Cadet Deal Cadet
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nikhil9702 wrote:

really, do they report as unsecured?

Yes I have applied it is showing as unsecured and all the details reported as I filled.also they report in end of the same month when card is generated. So this is fastest way to generate cibil as well.

Deal Captain Deal Captain
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Unstoppable0 wrote:

How u got 20k cashback in this card ?

1. https://www.desidime.com/deals/one-card-10-valu... (this offer came 2-3 times in past 3 month and got 5K*2 — 10K cb on amazon gv purchase)
2. https://www.desidime.com/deals/onecard-diwali-j... (From this offer earned 1K cb on 10K spend)
3. https://www.desidime.com/deals/onecard-dussehra... (Got 2.9K Cb on spend of 25K spend)
4.https://www.desidime.com/deals/one-card-10-valu... (4K CB on 40K spend )

Most txn was Amazon Gv 18 K Cb and few more offer in past 4 months

Deal Cadet Deal Cadet
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sauravDD wrote:

1. https://www.desidime.com/deals/one-card-10-valu... (this offer came 2-3 times in past 3 month and got 5K*2 — 10K cb on amazon gv purchase)
2. https://www.desidime.com/deals/onecard-diwali-j... (From this offer earned 1K cb on 10K spend)
3. https://www.desidime.com/deals/onecard-dussehra... (Got 2.9K Cb on spend of 25K spend)
4.https://www.desidime.com/deals/one-card-10-valu... (4K CB on 40K spend )

Most txn was Amazon Gv 18 K Cb and few more offer in past 4 months

If you do too many Amazon GV purchases, your account can get flagged and you won’t get such offers anymore.

Deal Captain Deal Captain
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mango-man wrote:

If you do too many Amazon GV purchases, your account can get flagged and you won’t get such offers anymore.

Purchased from GYFTR /Intermiles Amazon not allowing to purchase gv using Credit card after a certain limit

Super Stud Super Stud
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vivek4uuuu wrote:

I think you don’t have knowledge about cibil report

I shared image in the next few chats. If you feel like going through, help yourself.

Deal Cadet Deal Cadet
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xxxyyyzzz wrote:

I shared image in the next few chats. If you feel like going through, help yourself.

Have you ever taken fd based card or checked cibil report of someone who has fd based card if not then check first you will understand this is what happens when you don’t have knowledge.

Super Stud Super Stud
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vivek4uuuu wrote:

Have you ever taken fd based card or checked cibil report of someone who has fd based card if not then check first you will understand this is what happens when you don’t have knowledge.

🥱

Chennai Super Kings Chennai Super Kings
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Unstoppable0 wrote:

Loot and offer bro

Why do you need 9-10 then just take major ccs like icici kotak sbi

Commentator Commentator
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Tanmayyy wrote:

Why do you need 9-10 then just take major ccs like icici kotak sbi

Only one bank give one cc i need 2-3 single bank cc any trick ?

Chennai Super Kings Chennai Super Kings
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Unstoppable0 wrote:

Only one bank give one cc i need 2-3 single bank cc any trick ?

If you need more than one card of the same bank then make fds in name of different people or something. Like make one for yourself the one in name of your wife etc

Deal Subedar Deal Subedar
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xxxyyyzzz wrote:

Yes it will. I took sbi unnati 4 years ago on fd, closed it after 3 month.

It reflects as Credit Card in cibil and other bureau’s.
Just keep paying bills on time and you’re good to go.

@vivek4uuuu Credit cards are reported as credit card in report, doesn’t matters if it’s secured or unsecured. Are you sure IndusInd reports as consumer loans? 🤨

ICICI reported my first card against FD as a “secured card”

Super Stud Super Stud
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Ramta_Jogi wrote:

ICICI reported my first card against FD as a “secured card”

Strange, I just went through all 4 reports again. None of them mentioned FD based sbi as “secured”.

I never took an ICICI credit card against FD so wouldn’t know.
Did they also do a hard enquiry?

Deal Subedar Deal Subedar
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xxxyyyzzz wrote:

Did they also do a hard enquiry?

No.

SBI doesn’t mention “Secured”/ I had Unnati for a month too when it was launched – just for the looks!

Deal Subedar Deal Subedar
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xxxyyyzzz wrote:

Strange, I just went through all 4 reports again. None of them mentioned FD based sbi as “secured”.

I never took an ICICI credit card against FD so wouldn’t know.
Did they also do a hard enquiry?

Secured credit card issued against FD so no Hard Inquiry is made by Banks (including ICICI)

Deal Captain Deal Captain
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I think taking OneCard with 2k limit is bad for CIBIL as no lender will want to give us cc/loan of they see that we capable of taking a cc (that too secured) with only 2k limt wink

Deal Subedar Deal Subedar
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Gaurav_G wrote:

I think taking OneCard with 2k limit is bad for CIBIL as no lender will want to give us cc/loan of they see that we capable of taking a cc (that too secured) with only 2k limt wink

One of the Bank Executive advised me to take at least 1 lacs limit secured credit card as my first card for unsecured card in future

Deal Captain Deal Captain
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TrueAdvisor wrote:

One of the Bank Executive advised me to take at least 1 lacs secured credit card as my first card for unsecured card in future

Definitely

2k shows firstly we are not capable of getting an unsecured card, secondly we can only pay ₹2k as collateral

Rajasthan Royals Rajasthan Royals
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My all Bro 😊,
I already have my first ever unsecured credit card from Amazon ICICI with limit 1.30 lakh which approved in September month & now I also taken FD basis CC from Onecard limited 61k (FD amount 56k) for improve my CIBIL data…..So it’s Reported in CIBIL secore OR unsecure.
My CIBIL improve or not….
& Taken till now 25 Loan from Zestmoney, Bob, Lazypay etc & have only 3 loan + 1 unsecured cc + 1 secure cc (not reported)

So Taken too Much loan good or not?

Analyst Analyst
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vivek4uuuu wrote:

I would say take indusind fd card they report fd card as unsecured then take other cards unsecured on behalf of that and order fd card on securecc.indusind.com and fill details as salaried so that it gets reported in cibil and fill MNC details

Are indusind FD based cards Lifetime free?? Which is the best Indusind Card To Apply?? Also What happens after maturity of FD??

Deal Cadet Deal Cadet
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Vaastav wrote:

Are indusind FD based cards Lifetime free?? Which is the best Indusind Card To Apply?? Also What happens after maturity of FD??

Aura edge is ltf and fd will be on auto renewal.

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